Yes, the charging cable of an electric car is usually insured under partial cover (Teilkasko) against theft, animal bites and power surges. Many tariffs only pay if the cable was connected to the car while charging or locked inside it. A new cable costs about EUR 150 to 500, so after a EUR 150 deductible often little is left. With liability cover alone it is not insured.
Published prices for charging cables and examples of limits in German tariffs.
Example
Typical range
Charging cable for electric cars, by brand, length and plug
about EUR 150 to 500
Car insurance add-on for your own wallbox, example of one tariff
up to EUR 1,000
Deductible in partial cover
often EUR 150
Downgrade after a partial cover claim
0 classes
As of October 2026, from guides published by energy suppliers and insurers.
The EUR 150 deductible and the figures in the worked example are a guide value from our quoting
practice.
We are happy to check whether your tariff also covers the cable in the boot or in the garage.
Worked example
Charging cable stolen at a car park charging point
The car charged overnight, in the morning the cable is gone. The tariff includes charging cables, the partial cover deductible is EUR 150.
New charging cable, 7 metres, 11 kilowatts
about EUR 300
Partial cover deductible
EUR 150
Payout
about EUR 150
Downgrade
none
You get about half back. For a EUR 150 cable nothing would be left. Calculation with guide values.
When car insurance pays for the cable
The cable supplied with the car counts as an accessory of the car. Many German tariffs for electric cars name it explicitly, often together with the mobile charger. What is covered is mainly theft, animal bites, for example by martens, and damage from power surges caused by lightning.
The catch is in the conditions. Many tariffs only pay for theft if the cable was plugged into the car, for example at a public charging point, or lay inside the locked car. If it is stolen from an open garage or a carport, car insurance often does not cover it.
What happens
Who usually pays
Cable unplugged and stolen at a charging point
partial cover, if the tariff includes charging cables
A marten chews through the cable
partial cover with animal bites, depending on the tariff
Cable stolen from the locked garage
contents insurance after a break-in, otherwise nobody
Cable run over or damaged while coiling it up
usually nobody, this counts as your own damage or wear
Wallbox destroyed by a power surge
buildings insurance or a car insurance add-on for chargers
A passer-by trips over the cable
liability insurance, which one depends on the case
Why a claim is often hardly worth it
Depending on length, power and plug, a charging cable costs about EUR 150 to 500. With a deductible (Selbstbeteiligung) of EUR 150 in partial cover, a cheap cable leaves you with little or nothing.
It is different for a mobile charger for a household or high-voltage socket, which can cost several hundred euros or more. Here a claim is worth it, and partial cover does not downgrade you for it.
Wallbox, contents and buildings insurance
A fixed wallbox is not automatically part of the car. If it is permanently connected to the house, it usually falls under buildings insurance (Wohngebäudeversicherung). For tenants or mobile devices it is often contents insurance (Hausrat). Some electric car tariffs offer add-ons that pay for damage to the wallbox up to a limit, for example EUR 1,000.
Tell your buildings insurer that you have installed a wallbox and ask whether power surges and short circuits are included. That is not standard in every tariff.
When you do not need extra cover
If you charge almost only at home in a locked garage, a stolen cable is unlikely, and a simple cable is not worth an expensive tariff.
If you often charge at public points or use an expensive mobile charger, make sure your tariff names charging cables and accessories explicitly.
Step by step
Search your car insurance conditions for the words Ladekabel, Zubehör and Ladestation.
Check whether the cable is covered only while charging or also in the boot.
After a theft, report it to the police and note the reference number.
Report the claim to your car insurer with the purchase receipt.
Tell your buildings or contents insurer about the wallbox and check power surge cover.
Checklist
Partial or comprehensive cover in place
Charging cable and mobile charger named in the conditions
Animal bites and power surges included
Receipts for cable and charger kept
Wallbox reported to buildings or contents insurance
Common mistakes
Leaving the cable open in the carport and relying on car insurance
Assuming the wallbox is insured through the car
Claiming for a cheap cable when the damage is below the deductible
Throwing away the receipt for an expensive mobile charger
Questions and answers
Frequently asked
Does partial cover pay if my charging cable is stolen?
Usually yes, if the tariff includes charging cables and the cable was connected to the car or
inside the locked car.
Is the cable also covered in the boot?
Often yes, if the car was locked.
Some tariffs only protect the cable while charging, the conditions say which.
Does contents insurance pay for the charging cable?
After a break-in into your flat, cellar or locked garage, often yes.
Stolen from an open carport, usually not.
Will I be downgraded after a stolen charging cable?
No.
It is a partial cover claim, and partial cover has no no-claims class.
Who pays if someone trips over my charging cable?
A liability insurance, either the car's or your private one, depending on the case.
Avoid laying the cable across pavements.
Is the wallbox covered by my car insurance?
Only with a suitable add-on and then up to a limit.
Otherwise buildings or contents insurance is responsible.
